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5832.T stock logo

5832.T

Chugin Financial Group,Inc.

$2938.5
129
 (4.59%)
Exchange:  JPX
Market Cap:  522.376B
Shares Outstanding:  188.059M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Sadanori Kato
Full Time Employees:  2988
Address: 
1-15-20, Marunouchi
Okayama
JP
Website:  https://www.chugin-fg.co.jp
Chugin Financial Group,Inc., through its subsidiary The Chugoku Bank, Limited, provides various financial services. The company operates through Banking, Leasing, and Securities segments. It accepts various deposit products, including current, ordinary, savings, time, installment time, non-resident yen, and foreign currency deposits, as well as deposits at notice, deposits for tax payment, and deposits for offshore accounts. The company also provides credit guarantee, credit card, investment management, advisory, financial instruments brokerage, and asset management services; and loans. In addtion, the company engages in the consignment of office work; and leasing and installment sale of properties and goods. It operates through head office and 137 branch offices, including 5 sub-branch offices, 15 branch-in-branch offices, 2 branch-in-branch sub-branch offices, 1 special sub-branch office, 1 representative office, and 1 internet branch in Japan; and 1 branch and 4 representative offices internationally, as well as 234 ATMs. The company was incorporated in 1930 and is headquartered in Okayama, Japan.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue174,964,000179,999,000209,597,000
Gross Profit141,143,000109,251,000120,873,000
EBITDA32,695,00034,211,00042,531,000
Operating Income29,518,00030,899,00038,282,000
Net Income20,486,00021,389,00027,434,000

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets9,849,196,00010,763,804,00011,045,576,000
Total Liabilities9,321,242,00010,182,689,00010,503,202,000
Total Stockholders Equity527,948,000581,114,000542,366,000
Total Debt1,083,199,0001,672,340,0001,886,502,000
Cash and Cash Equivalents1,510,394,0001,418,224,0001,203,294,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow46,000-140,455,000201,502,000
Capital Expenditure-2,143,000-3,500,000-11,006,000
Free Cash Flow-2,097,000-143,955,000190,496,000
Net Income20,486,00021,389,00027,434,000
Net Change in Cash-249,730,000-90,729,0001,201,718,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2030Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)477,095,855.584Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)477,095,855.584Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)477,095,855.584Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)100,249,665.235Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)100,249,665.235Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)100,249,665.235Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)52,505,616.891Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)52,505,616.891Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)52,505,616.891Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)68,557,615.095Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)68,557,615.095Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)68,557,615.095Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)291.800Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)291.800Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)291.800Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
2.39
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
13.85
?Enterprise Value
 (TTM)
: 
1.318T  ?EV/FCF
 (TTM)
: 
0
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.07  ?ROIC
 (TTM)
: 
0
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
3.11
?P/B
 (TTM)
: 
0.88  ?Current Ratio
 (TTM)
: 
1.03

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
2,090.49Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


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Common questions about 5832.T valuation

Is Chugin Financial Group,Inc. (5832.T) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Chugin Financial Group,Inc. (5832.T) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is 5832.T a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether 5832.T trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is 5832.T’s P/E ratio?

You can see 5832.T’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for 5832.T?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is 5832.T a good long-term investment?

Whether 5832.T fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

5832.T

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

4.59
MARKETSnap

Trading Metrics:

Open: 2840.5   Previous Close: 2809.5
Day Low: 2823   Day High: 2938.5
Year Low: 1470   Year High: 3485
Price Avg 50: 2995.93   Price Avg 200: 2452.62
Volume: 171400   Average Volume: 444731

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